Introduction and definitions - ANZ eBiz

Introduction and definitions

Introduction
Authorised agents
How do I initially access eBiz?
Access to ANZ eBiz

These are the current ANZ eBiz Terms and Conditions setting out your rights and obligations involving the use of ANZ eBiz, including the use of ANZ eBiz to make a BillPay payment and use of Pay Anyone.

It is important that you read these ANZ eBiz Terms and Conditions before you use ANZ eBiz. This way you will understand the proper use of ANZ eBiz.

If you do not understand, or are unsure about any aspect of the ANZ eBiz Terms and Conditions, do not hesitate to ask ANZ to clarify the matter for you.

Definitions

The following definitions apply throughout this document unless otherwise stated:

"account(s)" refers to bank accounts held with ANZ, which are able to be linked to ANZ eBiz and in respect of which you have nominated to access and use via ANZ eBiz.
"account holder" means the person or persons, whose name the account is in and who is wholly responsible for all transactions on the account. If an account has more than one account holder, each of them is jointly and severally liable for the use of the account.
"account signatory" means the person or persons who are authorised to operate on an account under the relevant account signature mandate.
"ANZ" refers to Australia and New Zealand Banking Group (Fiji) Limited and its successors and assigns.
"ANZ eBiz" means banking services in respect of account(s) provided via the internet and accessible at www.anz.com.
"ANZ working day" refers to any day from Monday to Friday on which ANZ is open for business in at least one of its branch locations in the Jurisdiction.
"authorised agent" refers to any third party authorised to use ANZ eBiz to access and operate the account holder’s account(s), which includes value and non-value transactions and making BillPay payments, and is approved by ANZ.
"available balance" means the amount of funds available in the account and does not include any uncleared deposits or value held against the balance.
"bank working day" refers to any day on which banks in the Jurisdiction are able to effect settlement through the Central Bank.
"biller" refers to an organisation which tells you that you can make payments to it through the BillPay Scheme.
"BillPay" is the function within ANZ eBiz through which you can ask ANZ to make payments on your behalf to accounts held by billers who are members of the BillPay Scheme.
"BillPay payment" refers to a payment which you make or propose to make through the BillPay Scheme to a biller.
"Central Bank" means the body or entity (or such collective bodies or entities) which is (or that are) responsible for the regulation of ANZ (and/or the banking industry generally) in the Jurisdiction and otherwise responsible for the issue, supply, availability and international exchange of money.
"CRN" means Customer Registration Number and is an ANZ eBiz number of either 15 or 16 digits issued by ANZ to you.
"force majeure" means any act of god; war, riot, sabotage, revolution, or any other unlawful act against public order or authority; an industrial or labour dispute; a governmental restraint; civil unrest; power shortages or power failure; sudden and unexpected system failure; or any other event or cause which is not within the reasonable control of ANZ or you.
"Jurisdiction" means Fiji
"Money Laundering" includes any dealing with the proceeds of or assets used in criminal activity (wherever committed) and any dealing with funds or assets of, or the provision of finance to, any person or entity involved or suspected of involvement in terrorism or any terrorist act.
"password" is a sequence of between 8 and 16 characters (consisting of both alpha and numeric) to access ANZ eBiz and includes the password first issued by ANZ to you, or an authorised agent to first access ANZ eBiz.
"Pay Anyone" is the function within ANZ eBiz through which payments can be made to accounts held at most financial institutions which will accept such inter-bank transfers.
"Pay Anyone payment” means a payment which you make or propose to make through Pay Anyone.
"you" or "your" means , unless the context requires otherwise, any person issued with a CRN who registers to use ANZ eBiz (whether as an authorised agent or an account holder).

What is ANZ eBiz?

ANZ eBiz is a banking system that you can access yourself via the Internet (www.anz.com). The self-explanatory screens in the ANZ eBiz system will guide you in selecting different options to conduct your routine banking transactions.

What is BillPay?

This is an electronic payments scheme whereby you can ask ANZ via the ANZ eBiz facility to make payments on your behalf to billers (such as certain utility companies) who are members of the BillPay Scheme.

What is Pay Anyone?

This is a service, which you can register for via ANZ eBiz to make transfers from your local currency accounts to third parties. Cross-currency payments are not available.

To Whom do these ANZ eBiz Terms and Conditions Apply?

These ANZ eBiz Terms and Conditions apply to the use of ANZ eBiz by you where you have nominated to access and use a business account via ANZ eBiz. This includes the use of ANZ eBiz to make payments via BillPay and Pay Anyone.

They operate in conjunction with the terms and conditions applicable to the account(s), which you have nominated to be accessed by use of ANZ eBiz. Unless otherwise specifically stated to the contrary, to the extent that there is any inconsistency between these ANZ eBiz Terms and Conditions and the separate terms and conditions for an account, these ANZ eBiz Terms and Conditions will apply.

When do these ANZ eBiz Terms and Conditions take effect?

If you have not previously agreed in writing to accept these ANZ eBiz Terms and Conditions, the first use of any ANZ eBiz service will constitute your and your authorised agent’s acceptance of these ANZ eBiz Terms and Conditions.

2. Authorised agents

Nomination

A third party can be nominated to be an authorised agent in respect of an account. If a person is nominated as an authorised agent, such person may be given either "value" or "non value" access (as described in clause ‘Access’).

Access

The account holder acknowledges that:

each authorised agent nominated by the account holder to have value access can use ANZ eBiz fully and, by using ANZ eBiz, can access, operate and transact on your account(s) in the same way that the account holder can (subject to the last point of this clause and to clause ‘Responsibility for Authorised Agents’);
each authorised agent nominated by the account holder to have non-value access can use ANZ eBiz to access information about the account holder’s account(s). Authorised agents with non-value access cannot use ANZ eBiz to perform transactions on the account holder’s account(s);
all authorised agents can use ANZ eBiz to change their own profile and change their own password;
authorised agents, with either value or non-value access, cannot alter, add to or delete the account numbers or authorised agent registration number and cannot access Pay Anyone without separate authorisation ;and
authorised agents, with value access, can only authorise payments subject to multiple authorisation requirements nominated by the account holder.

Responsibility for authorised agents

The account holder is responsible for any use of ANZ eBiz by an authorised agent within the access level nominated for them, including all transactions performed through ANZ eBiz by any authorised agent who has value access on the account(s), as if that use were by the account holder. The account holder is also responsible for ensuring that each authorised agent complies with all obligations and responsibilities imposed on the account holder under these ANZ eBiz Terms and Conditions.

Changing levels of access or revoking authority

The account holder may request that ANZ cancel, or change the level of access of, an authorised agent at any time and may alter the nominated multiple authorisation level by completing the relevant ANZ eBiz form for cancellation.

3. How do I initially access eBiz?

You can access ANZ eBiz using the CRN and password provided to you by ANZ. This will allow access to all account(s) the account holder has nominated to be accessed via ANZ eBiz by you.

When you first use ANZ eBiz, you will be required to change the ANZ issued password and select a new 8 character password (consisting of alpha and numbers) as the new password.

Separate passwords and CRN’s are required for each officer of the account holder’s business who is authorised to access ANZ eBiz. It is the responsibility of the account holder via the principals of the business to decide which officers of the business will have access to ANZ eBiz and what level of access such officers will have (please see clause ‘Access’). An officer of the business who is authorised in writing by the principals of the business to have access to the service is known as an authorised agent. ANZ will issue CRN’s and temporary passwords to each authorised agent.

When an authorised agent leaves your business the CRN and password of that Authorised Agent must be cancelled. Those person(s) authorised to transact on the relevant account can cancel any CRN and password associated with that account at any time by calling the Call Centre.

4. Access to ANZ eBiz

Access subject to these ANZ eBiz Terms and Conditions

ANZ agrees to make available to you access to ANZ eBiz in accordance with, and subject to these ANZ eBiz Terms and Conditions.

ANZ may, at any time and without notice to you, add or remove or make changes to any ANZ eBiz service.

Interruption to ANZ eBiz

ANZ does not represent or guarantee that access to ANZ eBiz will be uninterrupted. You acknowledge that ANZ eBiz may be affected by outages, faults or delays. Such outages, faults or delays may be caused by factors including, but not limited to, technical difficulties with the performance or operation of ANZ's or another person's software, equipment or systems, traffic or technical difficulties with the internet, or infrastructure failures such as damaged phone lines or interference with digital signals.

No access to you

You agree that access will not be given to ANZ eBiz

unless a valid CRN and password is entered as and when prompted by ANZ eBiz; or
if your registration has been suspended or cancelled under clause ‘Termination and Suspension’.

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